Paul
I will read the article. In another life when I used to delve into ratings I never found one that didn't have weaknesses either by course or distance. This wasn't always a problem if I had enough data to know their weaknesses and ignore the ratings in the approp cases. Congrats on overcoming the problem. As a programmer for many years I'm not at all surprised at the amount of code reqd to sort this aspect out.

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Dear Lord
Please let me break even. I need the money.